Public Liability Insurance

Cover for small businesses and tradesmen, including on-site building and other related trades such as a bricklayer, carpenter, decorator, electrician, plumber or landscaper.


Public Liability Insurance

Flexible public liability cover for small businesses and tradesmen, based on your industry and needs.

Public Liability Insurance for self-employed tradesmen and small businesses

Public Liability Insurance is important for both sole traders and businesses with employees. You’ll need Public Liability to cover compensation claims from members of the public and customers arising out of the actions of your business. 

What does public liability cover?

Here is a quick guide to what our Public Liability Insurance covers.

In addition to our high level of standard cover, our policy can be complemented by a range of other covers which can provide protection for other aspects of your business. For example, your tools can be covered, as can stock, buildings or hired in plant equipment.

What we cover


  • Up to £1m public liability cover
  • Access to our free 24/7 legal helpline

Optional extras

  • Increase public liability cover up to £2m or £5m or £10m
  • Employers’ liability cover up to £10m
  • We'll cover injury to working partners (if you're a business partnership)
  • Cover for temporary employees and bona fide sub-contractors hired by your business
  • Insurance for tools and business equipment up to £10,000 per employee
  • Cover of business stock cover up to £5,000
  • Own plant cover (including temporary buildings and site huts) up to £50,000
  • Hired in plant cover, limit any one item up to £50,000
  • Contract works cover, any one contract site up to £500,000
  • Personal accident for named people working for the business

We understand how important your business is. That’s why we have a dedicated team of business insurance advisers to help.

Get a Public Liability Insurance quote now 

Click ‘Get a quote’ to obtain a quick public liability insurance quote online, or call our team of specialist business insurance advisors on 0800 051 4199 or get a quote online . We’ll ask some questions about you and your business and talk you through your options, to make sure you get the tailored policy you need.


Do I need public liability insurance?

While some industries are undoubtedly considered riskier than others, the truth is that accidents happen in every sector. For example, according to the HSE, simple slips and trips are among the most common accidents which occur in places of work – and these can happen anywhere.

If you deal frequently with the public, either at your home/workplace, at your clients’ properties or in public places, you are strongly advised to obtain adequate cover.

Public Liability Insurance can also help you secure more lucrative contracts, since public sector organisations and larger businesses won’t usually do business with contractors unless they have this cover.

The amount of cover and extras you choose will depend on your type of business.

Public liability insurance for tradesmen

Trades professionals usually spend a lot of time in their customers’ homes, often dealing with sharp tools, heavy equipment and/or hazardous chemicals. Our Public liability insurance for tradesmen has been designed to help a range of professionals including:

Public Liability Insurance for small businesses

Our Public Liability Insurance for small businesses has been designed to support a wide range of businesses, including:


Why insure with us?

We work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.

Manage your policy

Policy documents

Retrieve a quote

Other Cover Available

Tradesman Insurance

Builders Insurance

Carpenters and Joiners Insurance

Electricians Insurance

Plumbers Insurance

Gardeners Insurance

Painter and Decorators Insurance

Cleaners Insurance

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* Please note, if you select a Bank Holiday, we will call you on our next working day.
Our operating hours are 9am to 6pm Monday to Friday, excluding bank holidays.

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